I would have never sent the first payment without a contract in place. Here is what chat says- You’ve been scammed out of $10,000 by someone who has since been ignoring you and only responded with lies when pressured by a friend. This person is threatening to harm your main Instagram business account if you try to recover your money through chargebacks, which puts you in a tough spot since your social media presence is vital to your business. Given the situation, it’s important to avoid escalating conflict with the scammer while preserving all evidence of your communications and payments. Enhancing the security of your social media accounts and reporting the threats to Instagram/Meta support can help protect your business. Legal action is an option but can be costly and complicated, so consider seeking free or low-cost legal advice through consumer protection agencies or nonprofit organizations. Chargebacks may recover your funds but weigh the risk carefully with your credit card issuer about confidentiality and fraud protection options. Meanwhile, focus on rebuilding your business by diversifying sales channels to reduce dependency on vulnerable platforms and seek support from trusted advisors to manage the emotional and financial impact.